Credit union · NCUA insured
Valley Federal Credit Union Credit Card Rates
Top CarrotValley Federal Credit Union credit cards start at 9.95% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Valley Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Brownsville, TX, where Valley Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Valley Federal Credit Union
9.95%APR
- Up to
- —
Platinum Card
Lowest rate
Rio Grande Valley Credit Union
5.90%APR
- Up to
- 18.00% APR
2nd-lowest rate
NAFT Federal Credit Union
8.90%APR
- Up to
- —
Valley Federal Credit Union credit card score
83
Credit card score
Higher than 64% of U.S. banks and credit unions
- Purchase APRPurchase APR9.95%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Valley Federal Credit Union ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Classic Card
Must work, attend school, or worship in Cameron/Willacy County to become a VFCU member.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 17.95% | None | Fixed interest rate starting at 17.95% APR. Ideal for building or rebuilding credit. No annual fee. No cash advance fee. |
Sources (1)
- vfcu.net/cards/credit-cards-credit-union-brownsville-tx · captured Oct 7, 2026
Gold Card
Must work, attend school, or worship in Cameron/Willacy County to become a VFCU member.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.95% | None | Fixed interest rate starting at 12.95% APR. For everyday use and reliable access to credit. No annual fee. No cash advance fee. |
Sources (1)
- vfcu.net/cards/credit-cards-credit-union-brownsville-tx · captured Oct 7, 2026
Platinum Card
Must work, attend school, or worship in Cameron/Willacy County to become a VFCU member.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.95% | None | Fixed interest rate starting at 9.95% APR. Best for members with strong credit who want the lowest rate available. No annual fee. No cash advance fee. |
Sources (1)
- vfcu.net/cards/credit-cards-credit-union-brownsville-tx · captured Oct 7, 2026
Who can join Valley Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who work, attend school, or reside in Cameron or Willacy County are eligible to join.
- Individuals who work, attend school, or worship in Cameron/Willacy County are eligible to become a member.
Membership information collected October 5, 2026.